Home Insurance - Protecting Greater Nashville / Middle Tennessee

Your home is likely your most valuable asset, so let us help you make sure it is properly insured. If your home is ever damaged or completely destroyed, you need an insurance agency that understands your specific needs. Parker Watts Insurance Agency is here to help you find the homeowner’s insurance that will best meet your insurance needs and provide you with the most valuable combination of tailored protection, knowledgeable service and fair pricing.

We Insure All Kinds of HomesRegardless of whether you own or rent a house, apartment, or condominium, the right home insurance policy can provide you peace of mind as well as the money you will need to repair or replace your home and/or belongings. Contact us for more information today!

Middle Tennesseans– What you need to know about homeowners insuranceWhether you own or rent, insuring your home protects you financially should you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners policies differ by which losses are covered, which coverages you choose, and what type of residence you own. We can help you choose a policy that works best for your family, and provide a comprehensive policy at covers losses such as fire, hail, smoke, falling objects, water damage and vandalism and theft, or whether it’s a policy that covers only specified losses.

The Right Coverage. The Right Price. The Right ValueThe amount you pay for your homeowners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect.

Protection for Your HomeProperty or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.

Protection for You and Other PeoplePersonal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.

When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.

Medical CoverageThis covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

Additional Living ExpensesIf you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses—commonly for up to 24 months—while damage is assessed and your home is repaired or rebuilt.

Protection for Your BelongingsYour home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.

Scheduled Personal Property CoverageIf you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.

If You Rent Out Your HomeLandlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Visit our Landlord Protection Insurance page for more information.

Protect the Things that Matter to YouMake an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.